Rental Home Financing offers a loan program specifically tailored toward rental, income-producing properties such as single family homes (1–4 units), condos, townhomes, and multifamily apartments nationwide.
We lend on the verified lease income and cash flow of your rental properties — not your personal income. No tax returns, no W-2s, no personal income verification required. If you have re-established credit and a preferred minimum 650 FICO score, our stated investor program can get you financed.
What Is a Stated Income Investor Loan?
A stated income investor loan is a financing program where lenders qualify borrowers based on the rental income and cash flow of investment properties rather than personal tax returns or W-2 income. This makes it an ideal solution for self-employed investors, LLC owners, and professional real estate operators who may not show traditional income documentation.
With new regulations and tighter lending standards at conventional banks, many experienced investors find themselves unable to qualify through Fannie Mae, Freddie Mac, or traditional bank channels — even when they own profitable rental portfolios. Our stated income program bridges that gap with competitive pricing and flexible underwriting based on property performance.
No W-2s or Tax Returns
No personal income verification is needed. We qualify you based on the rental income and cash flow of your investment properties.
All Property Types
Finance single family homes (1–4 units), condos, townhomes, and multifamily apartment buildings across the United States.
BK Discharge OK
Borrowers with a 2-year bankruptcy discharge and rebuilt credit can qualify. We look at your current financial picture, not the past.
Who Qualifies for Stated Income Investor Financing?
Stated income loans are designed for investors and professional real estate operators who want to capitalize on competitive rates and rising property valuations. Whether you are looking to refinance existing debt or purchase new residential investment properties, this program works for borrowers who may not fit the traditional lending mold.
Eligibility at a Glance
- No personal tax return income requirements
- No W-2s needed — qualify on property cash flow
- 2-year bankruptcy discharge OK (with rebuilt credit)
- Partner buyouts accepted
- Preferred minimum 650 FICO score
- Re-established credit required
- Flexible underwriting — each transaction priced individually
Why Choose Stated Income Over Traditional Bank Financing?
Many loan programs from Fannie Mae, Freddie Mac, and local or national banks have become very restrictive when it comes to lending on residential rental investment property. With Dodd-Frank regulations, many banks have exited the investor lending market entirely, leaving property owners unable to qualify for traditional loans even when they hold profitable rental portfolios.
Our stated income program fills that gap. We focus on what matters most — whether the property generates enough cash flow to support the loan — rather than requiring extensive personal financial documentation that can delay or prevent approval.
Faster Closings
Less documentation means quicker turnaround from application to funding.
Competitive Rates
We aggressively price each real estate transaction to keep your borrowing costs low.
Minimal Paperwork
No personal tax returns, no W-2 forms, no extensive employment verification required.
Rising Market Opportunity
Take advantage of increasing property values and a fast-paced residential rental market.
Eligible Property Types
Our stated income investor loan program covers a wide range of residential investment properties. Whether you own a single rental home or a portfolio of multifamily buildings, we can structure financing that works for your situation.
Single Family 1–4 Units
Single family homes, duplexes, triplexes, and fourplexes used as rental investment properties.
Multifamily Apartments
5+ unit apartment buildings and multifamily complexes generating consistent rental cash flow.
Condos & Townhomes
Investment condominiums and townhome properties with verified rental income or lease agreements.
How Our Stated Income Program Works
Our underwriting process is straightforward and focused on the property, not your personal tax situation. Here is what you can expect when you apply.
Submit Your Application
Complete our online application with basic property details and your contact information. No tax returns or W-2 forms are needed at this stage.
Property Cash Flow Review
We verify the lease income and cash flow of your rental properties. Our team evaluates the property’s LTV and income performance to structure the best terms.
Get Your Loan Funded
Once approved, we move quickly to close. With less documentation required, stated income loans can close significantly faster than conventional bank financing.
Looking For Stated Investor Requirements?
Our stated investor requirements page outlines the full qualification criteria. Requirements can be flexible as we aggressively price each real estate transaction across the United States.
Nationwide Coverage
Rental Home Financing offers commercial stated income mortgage loans in most U.S. states. Our lending programs cover properties across the country, making it easy for investors in nearly every market to access stated income financing.
| Central | Northern | Pacific | Southern | Western |
|---|---|---|---|---|
| Illinois | Connecticut | Arizona | Alabama | Colorado |
| Indiana | Delaware | California | Arkansas | Idaho |
| Iowa | Maine | Nevada | Florida | Kansas |
| Kentucky | Maryland | Oregon | Georgia | Montana |
| Michigan | Massachusetts | Utah | Louisiana | Nebraska |
| Minnesota | New Hampshire | Washington | Mississippi | New Mexico |
| Missouri | New Jersey | Hawaii | N. Carolina | N. Dakota |
| Ohio | New York | S. Carolina | Oklahoma | |
| Wisconsin | Pennsylvania | Tennessee | S. Dakota | |
| Rhode Island | Virginia | Texas | ||
| Vermont | W. Virginia | Wyoming |
Get Started Today
Realize your opportunity to take advantage of a fast-paced residential rental real estate market, increasing property values, and competitive interest rates. Whether you are refinancing existing debt or purchasing new investment properties, our stated income program makes it possible without the hassle of traditional bank documentation.
Call us today at 888-375-7977 and speak with one of our qualified representatives, or apply online now to get started.